Ms Niamh O'Donoghue:

-----but in terms of individual overpayments, we are recovering that debt. The amount we recover of an overpayment in a year does not necessarily refer to the debt that arose in that year because the majority of overpayments are recoverable over a period of time, so there is very little write-off of that individual debt. As far as we are concerned, if somebody has a social welfare debt, going back to the case the Chairman mentioned, that will live with people right up to time. The difficult we have in cases of company debt, where companies are going through an insolvency process, is that first of all, it takes a considerable time to do that. We are preferred creditors, as I have clarified, but it is a different process in terms of our ability to recover that debt than from an individual.